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Features & Benefits

1) Complimentary and privileged access to International Airport Lounges

Your HBL Platinum CreditCard gives you complimentary airport lounge access with Visa LoungeKey at select destinations worldwide­ ensuring a serene and luxurious travelling experience. To explore the complete list of participating lounges and to register for LoungeKey access, please visit

Facilities Available:

  • Access to airport lounges regardless of class of ticket or airline
  • Complimentary drinks and snacks
  • Complimentary newspapers and magazines
  • Wi-Fi, laptop and mobile charging facilities
  • Conference rooms and entertainment facilities

4 Easy Steps to Access Visa LoungeKey:

  • Visit the LoungeKey website at for one-time registration of your HBL Platinum CreditCard
  • Use Lounge Finder, on the LoungeKey website or mobile app, to access the full list of available airport lounges
  • Simply present your HBL Platinum CreditCard at the lounge reception and mention the keyword "LoungeKey"
  • Your card will be swiped to register your visit and give you complimentary access to the lounge facilities

Experience more with Visa LoungeKey mobile app

Download the app to help you find lounges faster and also access secure content available only when you log in. You can download the LoungeKey app at the Apple App Store or through Google Play.
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Lounge Name
Airport & Terminal
Bahrain, Bahrain
Marhaba Upper Lounge
BAH - Main Terminal
Cairo, Egypt
First Class Lounge
CAI - Terminal 3
Paris, France
Star Alliance Lounge
CDG - Terminal 1
Frankfurt, Germany
FRA - Terminal 1
Athens, Greece
Aristotle Onassis Lounge
ATH - Terminal A
Mumbai, India
Travel Club
BOM - Int'l Terminal 2
Rome, Italy
Avia Lounge
FCO - Terminal 3
Amman, Jordan
Petra Lounge
Kuwait, Kuwait
Dasman Premier Lounge
KWI - Main Terminal
Beirut, Lebanon
Lat Lounge
Amsterdam, Netherlands
Aspire Lounge (No.41)
AMS - Terminal 3
Muscat, Oman
Plaza Premium Lounge (Int'l Departures)
MCT - Int'l Departures Terminal
Karachi, Pakistan
CIP Lounge
KHI - Jinnah Terminal Complex
Doha, Qatar
Al Maha Transit Lounge
DOH - Terminal 1
Jeddah, Saudi Arabia
First Class Lounge
JED - North Terminal
Singapore, Singapore
Dnata Lounge
SIN - Terminal 3
Johannesburg, South Africa (Int'l)
Shongololo Lounge
JNB - Int'l Terminal A
Barcelona, Spain
Sala VIP Pau Casals
BCN - Terminal 1
Zurich, Switzerland
Aspire Lounge
ZRH - Main Terminal
Istanbul, Turkey
ISG International CIP Lounge
SAW - Int'l Terminal
Abu Dhabi, UAE
Al Reem Lounge
AUH - Terminal 1
Dubai, UAE
Marhaba Lounge
DXB - Terminal 1, Concourse D
Dubai, UAE
Marhaba Lounge
DXB - Terminal 2, Departure Area
Dubai, UAE
Marhaba Lounge
DXB - Terminal 3, Concourse A
London, United Kingdom
Club Aspire Lounge
LHR - Terminal 3

Complimentary airport lounge locations are subject to change. To find the complete up-to-date list of participating lounges, visit and search using the lounge finder facility.

Important Note

  • Cardholders will need to mention "Lounge Key" to reception staff in order to avail the facility
  • The benefit of access to the Lounge is free for valid/active HBL Visa Platinum Credit Cardholders and their Supplementary Cardholders only
  • Guests are not eligible for complimentary airport lounge access. Entry for guests is subject to rules and regulations of the respective lounge and may vary from lounge to lounge
  • This complimentary privilege is accessible to HBL Platinum Credit Cardholders, irrespective of class of travel or airline
  • Card holder's visit allocation is limited to 6 free visits per calendar year. All additional visits and guests are charged at $27 per guest, per visit
  • Participating lounges and facilities are subject to change anytime as per Visa policy. Customers should visit for updated information prior to travelling
  • All Conditions of Use of LoungeKey available on shall apply
  • The above services are provided via third party service providers on a best effort basis. HBL makes no warranties and assumes no liability and responsibility with respect to the service provided by the vendor

2) 3x Rewards Points on Foreign Currency Spend

As a HBL Platinum CardHolder, you are automatically enrolled in our Rewards program. Every rupee you spend on dining, traveling, shopping , entertainment or any other purchase earns you reward points which can be redeemed for exciting rewards. These include annual fee waivers , electronics, watches , dining vouchers and a host of other gifts listed in the HBL Platinum Reward Booklet .
The reward point calculation is as follow :
One reward point will be earned on every local spending of PKR 25 ; whereas three reward points will be earned against a foreign currency spending equivalent to PKR 25. ​

3) Preferential Offers and Discounts

HBL Platinum CreditCard users receive greater discounts and benefits. Visit our alliance partners and start saving with your HBL Platinum CreditCard. Click Here for updated discounts & offers.​

4) Visa Privileges

Explore amazing offers that accompany your Visa card. Dine and unwind with great deals from luxury hotels, restaurants, lifestyle stores and spas. Moreover, when you travel abroad there is a dedicated Global Emergency Assistance Service provided by Visa for reporting a lost card, emergency card replacement, emergency cash advance or for other enquiries For updated details on all privileges and for a list of contact numbers, please visit

4.1) Global Customer Assistance Services (GCAS ) – Emergency Services

GCAS offers a full range of emergency services 24 hours a day, 7 days a week. Access the GCAS numbers through the concierge hotlines if you require any assistance.The Following services are offered. ​
  • Lost & Stolen Card Reporting.
  • Emergency Card Replacement
  • Emergency Cash Disbursement.
  • Platinum Protection.

4.1.1) Lost & Stolen Card Reporting

In the event that you lose your Visa Platinum Card, help is just a phone call away. Simply call the Global Customer Assistance Services (GCAS) helpline and we will take care of the rest.​

4.1.2) Emergency Card Replacement

Visa Platinum Cardholders whose cards are lost or stolen while traveling may request a replacement card by simply calling the Global Customer Assistance Services (GCAS). We will have a replacement card delivered promptly to you to minimize any inconvenience.

4.1.3) Emergency Cash Disbursement

If you are overseas and require emergency cash, Global Customer Assistance Services (GCAS) will help arrange for it to be delivered to you through our worldwide network of cash disbursement agencies. Emergency cash disbursement is subject to the available balance on your Visa Platinum Card and needs to be repaid.

4.1.4) Platinum Protection

With Visa Platinum you have access to our medical and legal referral service. And you are automatically covered by our extended warranty and purchase protection insurances when making purchases with your Visa Platinum Card. Please refer to visa website​ for applicable policy terms and conditions.​

5) Platinum Privileges

Get rewarded with special offers on the things you enjoy most. Be it travel, shopping, dining, sports, music or adventure, we want you to get more from life.​ Discount on meet & greet Services at over 400 airport locations worldwide.
  • Discounts at 50,000 hotels worldwide at
  • VISA Luxury Hotel Collection: Benefits at over 900 Luxury Hotels around the world.
  • Special privileges and discounts at participating dining, lifestyle and retail outlets. For details and applicable terms & conditions please visit